Michele Abrams Email & Phone Number

Dallas, Texas

o Reconciled MI Proceeds and Servicer Settlement Proceeds and produced a curtailment billing letter in effort to collect the MI Claim deficiencies expected by FNMA o Reviewed, researched , identified, analyzed, and resolved Servicer MI Curtailment Rebuttal disputeso Imported Monthly Servicer Billing Follow-ups from Business Objects and converted to an Excel spreadsheet to disburse to the Servicer for current billing status and updates o Reviewed aged cases and investigated questionable data and updates for Pre-Foreclosure loans from the monthly SAP report. Advised senior staff regarding current status and outstanding itemso Responded to Servicers, Outsource Venders, MI Companies, and internal department inquiries and requesto Delegated periodic internal and external meetings and conference calls to discuss Servicer and or MI Company trends, discrepancies, processes, guidelines/policy, performance, collection issues, or any other issues or concerns that need to be address o Audited, researched, and validated various Exception and Control reports o Performed special projects

Dallas/Fort Worth Area

o Examined and interpreted legal documents (Mortgage Notes, Security Instruments/Deeds of Trust, Notice of Defaults, Title Search/Update & Guarantee reports, etc.) to assure mortgage servicer complied with agreement termsso Examined and interpreted state and investor (FNMA, FHMLC, FHA, and VA) guidelines for permissible/impermissible fees/costs relative to bankruptcies (Chapter 7 & 13), modifications, foreclosures, reinstatements, and forbearance agreementso Completed audits in an accurate, fair, and timely manner by consistently utilizing applicable audit checklists and established operational procedureo Audited and reconciled mortgage claims for impermissible fees and costs levied on borrower’s loans; determined harm found and notated findings on claim reviews for possible compensation to mortgagee

Arlington

o Conducted research to appeal compensatory penalty fees assessed to Chase from Mortgage Investors, Freddie Mac and Fannie Mae on foreclosure properties. o Prepared summation of findings in order to mitigate and/or eliminate fees assess.o Conducted research for appealing repurchase demand requests on REO/ foreclosure properties.o Audited foreclosure documents.

Irving

o Obtained daily bank report for assigned stores.o Posted ACH transactions, ensured all items were posted according to the Service Level Agreement.o Collaborated with the Finance department to resolve any discrepancies.o Reviewed depository/disbursement spreadsheets daily.o Conducted research and made corrections and/or adjustments to schedules as needed.

Performed general accounting functions; accounts payable, accounts receivable, balanced general ledgersResearched inquiriesProcessed payments and complied segments of monthly closing reports

Prepared federal income tax returns

Processed vendor payment transactions utilizing internal and external software systems. Processed an resolved exceptions to the automated order placement.Managed vendors volumes and turnaround times to ensure the delivery of high quality valuations products

Reconciled and managed portfolios daily. Created, submitted, and verified wires for principal, sale/buys and interest paymentsInvestigated cash discrepancies, Collected pertinent information from Agent banks, settle Buys and Sales Prepared daily trades tracking reports, research items causing differences in the portfolio balancing, processed amortization schedule payments. Experience reconciling large (20) amounts of bank reconciliations on a daily basis and an excellent eye for detail.Bank Loan Syndication. Processed activity, cleared outages on a daily basis, securities industry.Provided Investor Banking accounting services

Prepared federal, state and local income tax returns for individualsConducted a thorough in- person interview with clients, using the company's tax software applicationProvided details to clients concerning company products and services

Performed daily functions of Mortgage Warehousing and Collateral Maintenance, served as liaison between mortgage companies and their banking institutions. Controlled disbursement of collateral advances, wire funds, and maintained commercial lines of credit. Generated loan pay downs, and reconciled loan accounts, retrieved, and reported loan information to closing agent.Reconciled mortgage DDA and operating accounts (10+) Prepared daily wires and custodial funds transfers, initiate transfer process of loans in Warehouse to new investors.

Real Estate

Realtor License

Accounting